DeKalb County property record for 646 College St, Dowelltown, TN 37059
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,568 sqft · built 1985 |
| Lot Size | 2.7 acres (117,612 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $518 (2022) |
| Deeds & Mortgages | Aug 2022 Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | 021044A C 02800 |
| Primary APN | 021044A C 02800 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,568 sqft Living Area |
| 1st Floor Area | 1,568 sqft |
| Flooring | Carpet |
| Interior Walls | Paneling |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 117,612 sqft (2.7 acres) |
| Terrain | Rolling |
| Porch | Open Porch |
|---|---|
| Porch Area | 264 sqft |
| Patio Area | 1 sqft |
| Utility Building | 1 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 646 COLLEGE ST |
|---|---|
| City | DOWELLTOWN |
| State | TN |
| Zip | 37059-2075 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DISTRICT: 20 |
| Jurisdiction | DE KALB TN |
| Township / Civil Division | 2 |
| Census Block Group | 1 |
| Census Block | 1064 |
| Census Tract | 920300 |
646 College St is owned by two individuals who acquired it in January 1984.
Source: DeKalb County records, as of January 26, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 91, DOWELLTOWN, TN 37059-0091 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 19, 1984 |
| Deed Sale | Jan 19, 1984 |
| Deed Document Number | 00000A6402 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DE KALB TN |
| Property Address | 646 COLLEGE ST, DOWELLTOWN, TN 37059-2075 |
| Transaction Type | Mortgage |
| Record Updated | Oct 14, 2022 |
| Name | Verified Name |
|---|---|
| Address | 646 COLLEGE ST, DOWELLTOWN, TN 37059-2075 |
| Document Number | 0005320000000908 |
|---|---|
| Date | Aug 25, 2022 |
| Book Page | 0000000532/0000000908 |
| Instrument | 205427 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jan 1, 2042 |
Source: DeKalb County assessment roll, as of May 20, 2025
| Type | Name |
|---|---|
| State | Tennessee |
| County | DeKalb County |
| Municipality | Dowelltown Town |
| Unified School District | DeKalb County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $29,950 Land $3,375 Building $26,575 | ||
| 2023 | $29,950 (-) Land $3,375 Building $26,575 | ||
| 2022 | $518.00 | $29,950 Land $3,375 Building $26,575 | $119,800 (-) Land $13,500 Building $106,300 |
| 2021 | $119,800 Land $13,500 Building $106,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 646 College St in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective February 14, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 13 policies |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 12 (2010–2021) |
| Most Recent Claim | Mar 2021 · other causes |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 646 College St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 93% of Tennessee |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | DEKALB UTILITY DISTRICT #1 serves 17,960 people · EPA ID TN0000188 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2025 |
| Lead | 1 ppb (2026–2028) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 98 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| DeKalb Telephone Cooperative Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
5G (outdoors only) and 4G LTE
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